Find the Medicare Plan That Costs You Least. Compare Every Option.
Formulary matching, provider network check, and out-of-pocket simulation for every plan in your area.
Free to start. No signup required. Data from CMS Plan Finder, AHRQ MEPS, FDA NDC.
What Medicare.gov Doesn't Show You
CMS publishes the data. We build the model that actually predicts your total annual healthcare cost -- drugs, doctors, hospitalizations, and the new Part D redesign all factored in.
Formulary Matching
Match your medications against every plan's formulary. See tier placement, copay differences, prior auth requirements, step therapy, and quantity limits across all options.
Monte Carlo Cost Simulation
1,000 stochastic health scenarios per plan using MEPS age-cohort expenditure distributions. Expected cost distributions, not point estimates -- with confidence intervals.
Provider Network Check
Verify your doctors and hospitals are in-network for each plan. Out-of-network providers can cost 2-5x more under Medicare Advantage -- we flag the risk before you enroll.
Star Rating Quality Scoring
CMS 5-star quality metrics weighted alongside cost. Clinical outcomes, member experience, and plan operations -- quality-adjusted cost rankings, not just cheapest premiums.
Part D OOP Cap Analysis
Model the new $2,000 Part D out-of-pocket cap, donut hole elimination, and catastrophic coverage phase. See exactly how the redesign changes your drug costs per plan.
Medigap vs. MA Decision Model
Original Medicare plus Medigap plus standalone Part D versus Medicare Advantage all-in-one. Higher premiums with predictable costs vs. lower premiums with variable OOP -- modeled for your health profile.
How It Works
Enter Your Medicare Profile
ZIP code, age, medications, preferred doctors, health conditions, and income. Medication autocomplete from the FDA NDC database. Takes about 4 minutes.
We Analyze Every Available Plan
Formulary matching, Monte Carlo cost simulation, provider network verification, Star Rating scoring, IRMAA calculation, and Extra Help eligibility -- all automated.
See Your Optimal Plan
Plans ranked by expected total annual cost with confidence intervals. Drug coverage scores, provider network match, quality ratings, and the cost of choosing wrong.
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Open Enrollment is Coming. Be Ready.
Enter your medications, providers, and health profile. Get a complete cost analysis with Monte Carlo confidence intervals, formulary matching, Star Rating quality scores, and the MA vs. Medigap tradeoff -- all in one view.
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